Purchase Originations
3,917
Ranked #127 nationally
Median Total Costs
$5,877
−12.0% vs national ($6,680)
↑ $283 vs prior year
Median Rate
6.375%
−1.8% vs national (6.490%)
↓ 0.250% vs prior year
Median Origination
$1,495
Median Lender Credits
$350
Cost Rank (500+ vol.)
#266
among lenders with 500+ originations
Denial Rate
13.1%
vs national avg (9.0%)
| Loan type | Volume | Median Rate | Median Total Costs | Median Origination |
|---|---|---|---|---|
| conventional | 3,275 | 6.500% | $5,460 | $1,495 |
| fha | 438 | 6.125% | $10,462 | $1,966 |
| va | 181 | 6.125% | $7,365 | $786 |
| usda | 23 | 6.125% | $7,324 | $1,693 |
| State | Volume | Median Rate | Median Total Costs | State Rank |
|---|---|---|---|---|
| Florida | 1,065 | 6.500% | $6,625 | #45 |
| South Carolina | 908 | 6.375% | $5,318 | #18 |
| Georgia | 897 | 6.375% | $6,037 | #25 |
| Alabama | 411 | 6.375% | $4,595 | #30 |
| Texas | 287 | 6.100% | $6,498 | #164 |
| North Carolina | 268 | 6.375% | $5,099 | #86 |
| Virginia | 37 | 6.500% | $5,492 | — |
| Tennessee | 14 | 6.500% | $5,155 | — |
| Colorado | 7 | 6.250% | $3,849 | — |
| Michigan | 4 | 6.475% | $9,015 | — |
| Missouri | 3 | 6.625% | $3,909 | — |
| Pennsylvania | 3 | 6.625% | $5,954 | — |
| Illinois | 2 | 6.675% | $5,736 | — |
| Mississippi | 2 | 6.550% | $11,882 | — |
| Oklahoma | 2 | 6.250% | $6,118 | — |
| California | 1 | 6.500% | $9,310 | — |
| District of Columbia | 1 | 6.375% | $6,169 | — |
| Kentucky | 1 | 6.350% | $3,627 | — |
| Maryland | 1 | 6.500% | $6,379 | — |
| New Hampshire | 1 | 6.100% | $4,826 | — |
| New Jersey | 1 | 7.125% | $7,018 | — |
| Ohio | 1 | 7.125% | $6,125 | — |
| Rank | Lender | Median Total Costs ↑ | Median Rate ↕ | Median Origination ↕ | Volume ↕ | vs. Median |
|---|---|---|---|---|---|---|
| 1 | $4,488 | 6.625% | — | 173 | −$1,389 | |
| 2 | $4,525 | 6.375% | — | 213 | −$1,352 | |
| 3 | $4,710 | 6.375% | — | 60 | −$1,167 | |
| 4 | $4,733 | 6.425% | — | 92 | −$1,144 | |
| 5 | $4,958 | 6.375% | — | 85 | −$919 | |
| 6 | $5,642 | 6.500% | — | 72 | −$235 | |
| 7 | $5,775 | 4.500% | — | 92 | −$102 | |
| 8 | $5,832 | 6.438% | — | 70 | −$45 | |
| 9 | $5,876 | 6.250% | — | 101 | −$1 | |
| 10 | $5,904 | 6.125% | — | 75 | +$27 | |
| 11 | $6,289 | 6.487% | — | 62 | +$412 | |
| 12 | $6,353 | 6.500% | — | 115 | +$476 | |
| 13 | $6,400 | 6.250% | — | 63 | +$523 | |
| 14 | $6,501 | 6.375% | — | 133 | +$624 | |
| 15 | $6,610 | 6.000% | — | 59 | +$733 | |
| 16 | $6,897 | 6.375% | — | 54 | +$1,020 | |
| 17 | $6,976 | 6.500% | — | 64 | +$1,099 | |
| 18 | $7,027 | 6.250% | — | 143 | +$1,150 | |
| 19 | $7,147 | 6.500% | — | 89 | +$1,270 | |
| 20 | $7,372 | 6.250% | — | 57 | +$1,495 |
Includes lenders with 1+ purchase originations in top counties. Source: HMDA 2025. Sorted by median total loan costs.
Peer set: the 50 highest-volume U.S. mortgage lenders in 2025 (min. 8,254 purchase originations).
| Metric | SouthState Bank, National Association | Top-50 peer median | Difference |
|---|---|---|---|
| Median loan amount | $325,000 | $335,000 | −$10,000 (−3.0%) |
| Median total closing costs | $5,877 | $7,127 | −$1,250 (−17.5%) |
Other high-volume lenders side-by-side.
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Data source: HMDA Modified Loan Application Register 2025, published by the Consumer Financial Protection Bureau (CFPB).
Statistics reflect originated first-lien purchase mortgages on owner-occupied principal residences. Medians exclude loans with exempt or unreported fee disclosures. Learn more at ffiec.cfpb.gov.